Re: Ok, so, advise please, ;)

Ignore EX of course. I'd also ignore the TU FICO as well. You are comparing a likely TU04 with Wal-Mart's TU08. Now a drop is likely but not 60, unless something else happened on TU. Finally, the EQ versions matched and is an accurate comparison. 8 points isn't that bad. You'll see most of the points starting to reappear around 3-4 months from the open date with most re-appearing by 6 months, and even more by a year provided you don't app for anything else.

Re: Ok, so, advise please, ;)

Not necessarily. You can try now, though I recommend waiting because lenders probably won't like those new TLs reporting.I'm not saying it'll take 6 months to recover those 8 on EQ. Your improved mix cut out some of those losses and I suspect you'd have a positive net gain inside 6.

Re: Ok, so, advise please, ;)

An unsettled issue in the mortgage app process may be the value of your score itself due to being based in part on the inclusion of the credit history of another in your score calculation. Mortgage apps usually rely upon more than just your score, and involve a manual review of your CR.

While FICO includes AU accounts in their scoring, a prospective lendor in a manual review may elect to discount that score if it is not based only upon your own credit history. Having no way to "back out" the scoring effect of the AU, they could question its usefulness.

Re: Ok, so, advise please, ;)

I just closed this week on a refi. In my case, and YMMV, they specifically looked at accounts that were in the 6 months or less range. They look at new credit. There were comments added to the app by my mortgage broker regarding them. There was nothing said about the accounts I opened in Feb and Mar.

Will apps prevent you from getting a mortgage? Not necessarily, but you also have new young file. Personally, if it was me I would try and age the accounts 6 months.

DH and I had mid scores around 715 and 725 but we had established older credit accounts to go with the new credit.

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